Does GIO Home Insurance cover my holiday home or beach house?

If you have a holiday house that is only for your personal use and that is unoccupied for much of the time you can still insure your property with GIO Home and Contents Insurance, but you will likely be required to pay an unoccupied excess in the event of a claim.

We will apply the unoccupied excess to each incident covered by your policy (unless this policy states that no excess applies to your claim) if, at the time of the incident, the home or unit has been unoccupied for more than 60 continuous days.

A period of unoccupancy starts when the home or unit becomes unoccupied and comes to an end when you, or someone nominated by you, has occupied the home or unit for at least 2 consecutive nights.